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    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
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Hi All

 

After trying all 3 of the above I am going to join Experian and pay the fee, its a small price to pay for the info I/we require. Noddle info is very basic for me.

 

Cheers

Regards..Mr Worried :)

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Why are BCW using local numbers to call me? when they are based elswhere?

 

I received a call today from a number simmilar to my own landline number, thinking it was a possible employer I answered and it went like this.

 

Mr ....Hello

 

Caller..Is that Mr W

 

Mr ...Yes

 

Caller...I need to speak with you about a personal matter can I ask a few questions ( security )

 

Mr...Who is this?

 

Caller..We are a company

 

Mr..Which one though?

 

Caller,,,'Hesitates' BCW, now can we go through security?

 

Mr..I am offended that you have made an unsolicited phone call to me and I will be reporting this matter etc. (BCW, tried to speak over me ) I terminated the call telling them to put anything in writing.

 

So why are they using local codes to contact people in the coded area? I think it is because they get a better response.

 

?

Regards..Mr Worried :)

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I don't know how they are getting local codes unless they are outsourcing to local agents who are then using their own phones to call you.

 

Loads of them use mobiles, but I think we are all used to that.

 

Hi DD

Yeh you could be correct, outscourcing! so that their ID is hidden from the numbers we ignore. dont think its against any OFT stuff or breaking rules re collection activity.

 

Cheers

Regards..Mr Worried :)

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Let all calls go to answer phone ...they soon slam it down (no recordings for you to log)

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Only ref I can find is to HMRC.

 

 

And located in Bournemouth

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They are probably using a PBX telephone exchange which can be programmed to show any telephone number, similarly with FAX machines where you can input any 'origin' number you want.

 

http://en.wikipedia.org/wiki/Business_telephone_system#Private_branch_exchange

 

 

Not possible

 

For incoming calls to your mobile or land line CLi is sent from the local exchange and the PABX has no ability to over ride that and send a specific Cli

 

It has to be local agents

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Yes! A clerical error where hundreds of ‘local’ numbers are mistakenly programmed into the PBX!

 

 

See my earlier post, it is not possible for any PABX to send a specific CLi, this is set at the exchange by the network provider and cannot be over ridden by a PABX or VoIP switch

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I don't think BCW are the only ones to do this. Another favourite trick is to use mobile numbers - in fact anything to get around the fact that Mobile apps, Choose to Refuse and Tru-Call are powerful tools in screening out unwanted calls.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Only ref I can find is to HMRC.

 

 

Well they said it was imperitive I return the call by close of today, however It is just ringing out, and I cant find anything else etc on the number.

Regards..Mr Worried :)

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Ignore, if it was imperative they would call back.

Wouldn't you if you really needed to contact someone.

 

Indeed I would, however I have an ongoing case with the tax man, could this be it?

Regards..Mr Worried :)

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